Ukuba uneprofayili yokulondoloza, kuya kuba ngcono ngo-2019 ukuba utyalomali lwakho lubhekise kwii-asethi zemali ezikhuselekileyo kunezo zibandakanywe kwiimarike ze-equity. Uqikelelo lwabahlalutyi abahlukeneyo bezemali alubambisi kakhulu kulindelo lwabatyali mali abancinci nabaphakathi. Nje ukuba iqinisekiswe indlela ezigqitywe ngayo iingxowa kunyaka-mali odlulileyo, nge ukuhla ngaphezulu kwe-10% kwaye kwezinye iimeko kakhulu ngakumbi. Luphawu olubi kwiimarike zezimali kwezi ntsuku zonyaka omtsha.
Esinye sezona sizathu sibaluleke kakhulu sokuchaza olu tshintsho kuqhelaniso kwiimarike ze-equity kungenxa yemingcipheko yokwenene ye Uqoqosho olutsha. Ubuncinci iimarike zezemali zikwenza isaphulelo oko kunokwenzeka. Akumangalisi ukuba izitokhwe zivame ukulindela iimeko ezizayo, njengoko kwenzekile kwimbali kwaye ngakumbi kula mashumi eminyaka akutshanje. Benza ngokukhawuleza okukhulu kuvavanyo kunye nonciphiso lokuba kunqabile ukuba kwenzeke.
Ngenxa yale meko eyenzeka ngokulinganayo ngokubanzi, awuzukukhetha ngaphandle kokuphelisa ipotifoliyo yakho yotyalo-mali uthotho lweemveliso zezemali eziya kubandakanya ukongeza umngcipheko. Ngobunyani bokwenyani bokuba ungaphulukana nenxalenye elungileyo yolondolozo lwakho ukusukela ngoku. Asibhekiseli kwingxowa uqobo, kodwa kunoko kuthotho lweemveliso ezinokuba yityhefu ngakumbi kwimidla yakho kwaye siya kukuveza ngezantsi.
Iimveliso ezinobungozi: iziqinisekiso
Iimali zotyalo mali ezineeKomishini zolawulo oluphezulu, iibhondi eziguqukayo zibe zizabelo okanye imali mboleko ephantsi kwezemali zezinye zeemveliso zemali ezinconywayo kulo nyaka mtsha wokurhweba. Kodwa ukuba kukho enye enokukunika into ongayithandiyo ngoku, ezo azikho ezinye ngaphandle kwe mvume. Yimveliso ephucukileyo ebonakaliswa kukungazinzi okuphezulu kwaye yeyona nto ikufutshane ekhoyo okokuthenga. Hayi lilize, ikunika ilungelo kwixabiso elimiselweyo lexesha elithile elibonakaliswe kukuphelelwa kwalo.
Kodwa ukuba iziqinisekiso zibonakaliswa yinto ethile, kukuphakama okuphezulu, ngaphezulu kwesiqhelo. Ukuya kwinqanaba lokuba le nto ibalulekileyo inokukwenza ukuba ufumane imali eninzi, kodwa ngenxa yesizathu esifanayo, kukushiyele ii-euro ezininzi apha endleleni. Ngaphandle kwezinye izinto eziqwalaselweyo zobuchwephesha obugcinelwe i abatyali mali ngemfundo ephezulu kule klasi yeemveliso zezemali. Kungoko ke kukho umngcipheko ekufuneka uziveze kuwo kwaye ngenxa yoko akukhuthazwa ukuba utyale imali oyifumanayo kulo nyaka kwimveliso enobundlobongela njengesiqinisekiso. Unokulahlekelwa kakhulu ngokuvula izikhundla kule modeli yotyalo-mali.
Iimveliso ezinxulunyaniswe nemali
Lo nyaka awuzukuba yeyona nto ilungele wena ukuba ukhethe ukutyala iimodeli zotyalo-mali ngokusekwe kwezinye iimali ezingezizo i-euro. Ngokukodwa kwiimveliso ezichaziweyo njengeemali zotyalo-mali kuba umngcipheko ekusebenzeni uya kunyuka ngokulinganayo, kodwa ngaphezulu kwayo yonke into ngendlela engeyomfuneko. Awunakulibala ukuba icandelo lemali lelinye leefayile ze- eguquguqukayo ngakumbi ngale mizuzu kwaye kunokukhokelela kwiimeko ezilingayo kakhulu. Ngaphezulu kunokuba ucinga kwasekuqaleni.
Enye yeemarike eziza kutshintshwa kakhulu kulo nyaka mtsha zezemali kwaye oku kuyakuvumela ukuba ufezekise iinzuzo ezinkulu zekapitali, kodwa nokuba uneelahleko ekunzima kakhulu ukuzithatha. Ukuba awuyongxowa-mali oqhele ukusebenza nolu didi lweeasethi zemali, kuya kuba ngcono ukuyeka umzamo. Akumangalisi ukuba yimali yakho oyingcakazayo kwaye kule ndlela, iimvavanyo kwiimarike zezemali ezingaziwa ngakumbi kuwe azifanelekanga. Iziphumo zale misebenzi zinokuba inokuvelisa kakhulu kuzo zonke iindawo zokujonga. Ukuba unako, yenye imveliso yezemali ukuyiphepha ukusukela ngoku.
Izivumelwano zomahluko
Iingcali zanyanzelisa ukuba kunyanzelekile ukuba kwandiswe imfundo yezemali kwilizwe lethu, ukuba ufuna ukuthobela le ngcebiso inobulumko, akukho nto ilunge ngakumbi ngaphandle kokulibala malunga nokuthandwa kude kube yiminyaka embalwa edlulileyo CFD. Zizivumelwano zokwahluka kwaye zilawulwa sisicwangciso esinye okanye esifanayo seemodeli zotyalo-mali zangaphambili. Ukongeza, baphantsi kweliso elibukhali labaphathi bezemali ngenxa yomngcipheko omkhulu obandakanyekayo ekusebenzeni kwabo. Awukhange usebenze ngale mveliso okanye uyizame kuba ngokuqinisekileyo uya kuzisola.
Izivumelwano zomahluko zikuvumela ukuba uxhamle kumaxabiso anyukayo eemveliso ezingaphantsi ngaphandle kokuba zezabo. Kodwa zintsonkothe kakhulu ukuba zisebenze kwaye kule nkalo kuhlala eyona nto iphambili kuyo kukuba iqeshwe yiprofayili yotyalo-mali efana neyakho. Kuninzi amaqonga ezemali edijithali Intengiso yale mveliso kutyalo-mali kwaye ke uya kuba nezilingo ezininzi zokuvula izikhundla nakweyiphi na ifomathi yayo. Ungalibali ukuba inokuba nefuthe elibulalayo kwimidla yakho kunyaka ontsonkothileyo kutyalomali njengoko kuya kuba njalo.
Icandelo lemali ebonakalayo
Ukuba kukho imveliso apho unokushiya khona yonke into ngo-2019, ngaphandle kwamathandabuzo oku kuyila. Akumangalisi ukuba sele bebaninzi abahlalutyi bezemali abalumkisa ukuba iqhuma lezemali lingaqhuma kwiinyanga ezizayo. Ke ngoko, awunakulinga ithamsanqa lakho kwaye uthabatheke ngenzuzo ephezulu enokufumaneka kwezi mveliso ngexesha elifutshane kakhulu. Kule meko, ukuwa akuyiyo i-10% okanye i-20% njengoko kunokwenzeka kwiimarike ze-equity. Ukuba akunjalo, ngokuchaseneyo, sithetha Ukuhla kwexabiso.
Kule meko ngokubanzi, awungekhe ulibale kwezi zihlandlo ukuba i-cryptocurrencies ayilotyalo-mali kwimeko yeklasi yekota. Kodwa uthotho lwemisebenzi enento ephawulweyo yokuqikelela kunye nemingcipheko emikhulu enokubakho kwilizwe elihlala linzima lemali. Kwelinye icala, imodeli yotyalo-mali entsonkothileyo engajoliswanga kuzo zonke iiprofayili ngabasebenzisi kunye nezixhobo ezithile ezibonelelwa ngamaqonga ezemali edijithali.
Ifunyenwe ngandlela zonke
Kweli qela asinakho ukuzilibala iimveliso ezivela kuthi ekufuneka sizishiyele isihlandlo esingcono kwaye nje ukuba amathandabuzo avelayo kutyalo-mali asuswe kula maxesha. Ngale ndlela, kuya kufuneka uyazi ukuba olu didi lweemveliso zezemali zikuvumela ukuba utyale ubuncinci benxalenye yemali yentengiselwano, ukugcina ukubhengeza ngokupheleleyo Ixabiso lekhontrakthi. Ngamanye amagama, banobhetyebhetye kubume babo, nangona benaniselwano lokuthatha umngcipheko omninzi kwizikhundla zabo.
Kwelinye icala, ngezinto ozifumeneyo akukho mathandabuzo okuba uya kuba nakho ukuzuza kwi yehla yentengiso, ivula izithuba ezifutshane. Lo ngumahluko ocashileyo kwezi mveliso uzithelekise nemisebenzi yesiqhelo. Apho ukuthengiswa okufutshane kuyintsokothileyo kwaye kuneendleko ezininzi ezandayo zenkxaso-mali. Mhlawumbi sesinye sezibonelelo ezimbalwa onazo kolu hlobo lukhethekileyo lotyalo-mali. Nangona ingelilo ixesha lokuvula izikhundla, kungasathethwa kangako kwimeko yangoku eboniswa luqoqosho ngokubanzi.
Izinto ezirhwexayo
Kuzo zonke iimarike zezemali, le inokuba yeyona ikunika eyona nto imothusayo. Uninzi lwezi asethi zemali zikwimeko yokwehla kwamaxabiso azo kwaye kwiinyanga ezizayo olu hlobo lunokubonakala ngakumbi. Eli ayiloxesha elifanelekileyo lokuba qala imisebenzi kwezi mveliso ukusukela ukuphela kosuku unokulahlekelwa kokuninzi kunokufumana. Ngaphaya kwezinye iintlobo zokuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga izinto ezisisiseko.
Ukudityaniswa ngokudibeneyo kunye en imveliso enye Zonke izibonelelo eziphambili ezabiweyo, iziqinisekiso kunye nekamva zibonelela kunye. Le yenye yeempawu eziphambili zeemveliso ezivela kwimathiriyeli ekrwada. Apho kunzima kakhulu kunendlela encinci yomngcipheko ekuvumela ukuba ukhusele ikapitali yakho nakweyiphi na intshukumo engalindelekanga kwiimarike zezi asethi zibalulekileyo zemali. Akumangalisi ke, ukuba abatyali zimali abancinci nabaphakathi bangakhethi olu hlobo lweminye imisebenzi kunye nemingcipheko ecacileyo kwiodolo zabo zokuthenga.
Njengoko ubona, sele unothotho lweemveliso ekungafanelekanga ukuba uzibeke kuzo ukuba awufuni ukungathandwa ngokungaqhelekanga ukusukela ngoku. Ngokukodwa ukuba ukuvela kwayo kwiimarike akulindelwanga xa kusenziwa ngokusemthethweni intshukumo ngenjongo yokwenza ukuba imali yakho efumanekayo izuze. Kungcono ubalathise kwezinye iiasethi zemali ezikunika ukuzithemba ngakumbi.